What Credlix does

Credlix is a digital supply chain financing platform operating as the dedicated lending subsidiary of Moglix, a Singapore-headquartered B2B marketplace unicorn. Founded in 2021 and headquartered in Noida, India with a 51-100 employee footprint, the company provides collateral-free working capital to MSMEs, exporters, importers, and large enterprise anchors across domestic and EXIM (export-import) supply chains. Its product suite spans nine financing instruments — export factoring, import factoring, purchase order financing, sales bill discounting, vendor financing, channel financing, early payment discounting, freight invoice discounting, and unsecured business loans up to INR 1 Crore — complemented by free trade intelligence utilities including HSN Code Finder (India GST), HTS Code Lookup (US tariffs), and Mexico Import Duty & Tariffs. The platform claims 75,000+ invoices funded, 5,000+ MSMEs onboarded, and over $500 million disbursed across 120+ cities in India and 90+ countries globally.

Under the hood, Credlix runs a fully digital onboarding, application, and disbursement workflow with stated 24-48 hour funding timelines and up to 90% of invoice value advanced. The technology stack supports buyer creditworthiness checks across 90+ countries, integration with multiple banks and NBFCs (including DMI Finance, Vanik Finance, and TReDS), and dedicated buyer/supplier portals. Revenue is generated primarily through transaction-based fees and discount spreads on financed invoices (1.5-3% above base rate for invoice discounting, 1.5-6% monthly for PO financing, rates starting at 5% p.a. for import factoring), with interest income on its own loan book emerging following the December 2025 acquisition of Vanik Finance, an RBI-approved NBFC. Distribution is hybrid: direct enterprise sales to large anchors (Aditya Birla, TwigaFiber, Lucro, Lalsai Dehy Foods), self-serve digital onboarding for MSMEs via web/mobile app/WhatsApp, and a partner program with banks and NBFCs. The company is FCI (Factors Chain International) member since 2021, ISO certified, and operates regional offices in Mexico City, the US, UAE, and Singapore, in addition to its Indian headquarters.

Name

Credlix

Legal name

Credlix

Website

https://credlix.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

Credlix is a digital supply chain financing platform providing collateral-free working capital — invoice discounting, export/import factoring, PO financing, and vendor financing — to MSMEs, exporters, importers, and enterprise anchors across India and 90+ countries, now operating as an RBI-approved NBFC following its Vanik Finance acquisition.

Ownership category

akta.pro rank

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Supply Chain Financing / Factoring Fees: Credlix charges fees or discount rates on invoices financed through its export factoring, import factoring, invoice discounting, and sales bill discounting products. Revenue is generated through transaction-based fees calculated on the invoice value, tenor, and buyer creditworthiness. The platform provides up to 90% of invoice value upfront and receives payment on the due date, retaining the difference as income.
2. Purchase Order Financing: Financing against confirmed purchase orders (domestic and export) up to 40% of PO value. Credlix earns interest or fees on the financed amount from PO fulfillment through shipment.
3. Business Loans: Unsecured business loans up to INR 1 Crore for MSMEs and startups, with approval in 48 hours and digital application. Credlix earns interest income on the loan book. Following the Vanik Finance acquisition, Credlix transitioned from a loan sourcing platform to a regulated NBFC building its own loan book.
4. Vendor and Channel Financing Programs: Credlix enables enterprises (anchors) to provide financing to their vendors and distributors through its platform, integrating with banks and NBFCs. Credlix earns platform, facilitation, or interest-sharing fees from managing the program.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Credlix is a digital supply chain financing platform that provides collateral-free working capital solutions to MSMEs, exporters, importers, and enterprises. Its core offerings include non-recourse export factoring (up to 90% of invoice value across 90+ countries), invoice discounting, purchase order financing, import factoring, vendor financing, channel financing, early payment discounting, and unsecured business loans up to INR 1 Crore, all delivered through a fully digital application-to-disbursement workflow with 24-48 hour turnaround.

Product overview

Credlix is a digital supply chain financing platform offering a portfolio of working capital and trade finance products for MSMEs, exporters, importers, and enterprises. The core product suite includes Export Factoring (non-recourse factoring up to 90% of invoice value in 90+ countries), Import Factoring, Purchase Order Financing, Sales Bill Discounting, Vendor Financing, Channel Financing, and Early Payment Discounting solutions. These are complemented by unsecured Business Loans up to INR 1 Crore and specialized financing products including Machinery Loans for Exporters, Freight Invoice Discounting, and Corporate Loans Against Property. Supporting the financing products is a set of free trade intelligence tools: the HSN Code Finder for Indian GST classification, the HTS Code Lookup for US tariff calculations, and the Mexico Import Duty & Tariffs tool covering Mexican import regulations. The platform is backed by Moglix, an Alpha Wave Global-backed B2B marketplace unicorn, and operates across India, USA, UAE, and Mexico. Key metrics include 75,000+ invoices funded, 5,000+ MSMEs onboarded, and over $500 million disbursed across 120+ cities.

Differentiator

Problem solved

Functional benefit

Products and services

• Export Factoring Non-recourse factoring solution that enables exporters to receive up to 90% of invoice value upon shipment for buyers in 90+ countries, with financing available up to 120 days. Includes pre-shipment, post-shipment, and domestic financing tailored to exporter needs.
• Purchase Order Financing

Quantifiable outcome

• Up to 90% of invoice value funded within 24-48 hours
• +11 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Five partnerships are on record, tiered core and major.

• Vanik FinancecoreStrategic or Co-development Partner · 3 December 2025Credlix, the lending subsidiary of Moglix, acquired a two-thirds stake (majority stake) in Vanik Finance, a Delhi-based NBFC, for Rs 80 crore. The deal received RBI approval. This acquisition enables Credlix to transition from a loan sourcing platform to a regulated NBFC with its own loan book. Vanik Finance is Credlix's Gold Partner for domestic solutions.
• NuPhicoreStrategic or Co-development Partner · 15 November 2021Credlix acquired NuPhi, a Singapore-based fintech offering invoice factoring solutions to MSME exporters in India and Southeast Asia. This acquisition marked Credlix's entry into EXIM financing space and strengthened Moglix's global supply chain financing solutions.
• DMI FinancemajorStrategic or Co-development PartnerDMI Finance is Credlix's strategic partner for business loans, providing unsecured loans up to INR 1 Crore to MSMEs through Credlix's platform. Credlix offers domestic solutions in association with DMI Finance, which is an RBI-registered NBFC.
• NBFCs and Financial Institutions NetworkmajorChannel Partner/ Reseller/ DistributorCredlix integrates with multiple NBFCs and financial institutions to provide vendor financing solutions. The platform enables enterprises to link multiple banks and NBFCs to cover suppliers of all sizes, with flexible financing options and competitive rates.
• FCI (Factors Chain International)majorOthersCredlix is a member of Factors Chain International since 2021, providing credibility and global expertise in factoring services. FCI is a global network of factoring companies.

Scale indicators11 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Mintifi: Mintifi is a digital supply chain finance platform offering invoice discounting and vendor financing to MSMEs and enterprises in India. It directly overlaps with Credlix's vendor financing, channel financing, and early payment discounting products serving the same anchor-supplier ecosystem.
• KredX: KredX is one of India's largest invoice discounting and factoring marketplaces, providing working capital to MSMEs and suppliers against invoices. It directly competes with Credlix across invoice discounting, supply chain finance, and TReDS-integrated products for the same MSME and anchor customer segments.
• Mynd Solutions (MyndLo): MyndLo operates a digital invoice discounting platform enabling MSMEs to unlock working capital against receivables. It competes head-to-head with Credlix on sales bill discounting, TReDS-enabled financing, and anchor-led supply chain finance programs in India.
• FlexiLoans: FlexiLoans is a digital lending platform providing MSME business loans through partner NBFCs and banks. It is comparable as a fintech-led, partner-distributed MSME lender targeting similar unsecured working capital demand.
• Lendingkart: Lendingkart is an MSME-focused digital lending NBFC providing working capital and business loans to small businesses in India. It is comparable as a competing digital-first NBFC targeting collateral-free MSME financing.
• Indifi Technologies: Indifi is an online lending platform enabling MSMEs to access working capital loans through partner NBFCs and banks. It overlaps with Credlix's business loan and vendor financing products distributed through partner NBFCs.
• Kinara Capital: Kinara Capital is an NBFC providing collateral-free working capital loans to small businesses in India, often via partner-led origination. It competes with Credlix in the MSME business loan segment with similar target customers and ticket sizes.
• Velocity (formerly Ayojada): Velocity provides invoice financing and working capital solutions to Indian MSMEs and small businesses. It competes with Credlix in sales bill discounting and unsecured business loans for the same target customer base.

Broad incumbents

• OfBusiness / Oxyzo Financial Services: OfBusiness is a B2B commerce and financing platform with Oxyzo as its NBFC arm, offering procurement financing and working capital to SMEs. It is comparable as a broader incumbent combining B2B trade with embedded supply chain finance at significantly larger scale than Credlix.
• Bluevine: Bluevine is a US-based digital SMB banking and working capital platform offering invoice factoring, lines of credit, and business checking. Comparable as a more mature international player offering invoice-based working capital products to small businesses.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/_credlix
• Facebookfacebook.com/credlix
• LinkedInlinkedin.com/company/credlix

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credlix